MBA of Arkansas

Flat Branch Home Loans

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Conrad has been a mortgage lender for a little over 22 years. He spent the first 10 years of his career with Bank of America, 12 years with First Horizon, and currently, with Flat Branch Home Loans.  If there is one thing he has learned this entire time, it is that referral partners and clients really want 3 things from their lender--pick up the phone when they call, be knowledgeable of your products, and close on time. It’s really that simple!  He has leaned into this his entire career, and it’s been one of the major factors in his success.”

MBA of Mississippi

Trustmark Bank

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Charlotte Banks-Flowers has been in the mortgage industry for over 25 years.  Charlotte is vice president, community lending specialist with Trustmark Bank.  Her professional affiliations and partnerships include the Mississippi Housing Partnership, National Association of Real Estate Brokers, and Mortgage Bankers Association of Mississippi.

 

Charlotte is enthusiastic about working with buyers, especially those purchasing for the first time. She exemplifies hard work and integrity with every client and transaction.

 

In her spare time, Charlotte enjoys traveling, spending time with her husband, family, and friends, listening to great music, gardening and eating seafood. She is also active in her community and ministry.

MBA of Missouri

USA Mortgage

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Paige Ringkamp, originally from Avon, Indiana, moved to Missouri to play volleyball at Southeast Missouri State University. She studied elementary and special education and then moved to St Louis to teach and get her master's degree in behavior analysis. She met her husband, Matt Ringkamp, in St. Louis. He has always had a love for real estate, which led Paige to the mortgage industry in 2016. Matt manages their investment properties full time & they have a 5-year-old son, Dossey. 

 

Paige’s background in behavior analysis created a love for data, which she uses in her mortgage business daily. She believes tracking leading indicators is a very important piece of her business because if you can’t track it, you can’t change it. Paige works closely with her realtor referral partners and now calls most of them good friends. She has built her team’s systems to focus on efficient & relevant communication with both referral partners and clients to ensure seamless transactions. 

TNMBA

Carey Ann & MyMortgage Team

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Carey Ann is a reputable name in the Middle Tennessee area, known for her success in the mortgage industry. She moved to Nashville for her love of music, but quickly established herself as a knowledgeable and driven entrepreneur. As the head of the top-ranked mortgage team in Tennessee, Carey Ann and her team at "Carey Ann & MyMortgageTeam" are dedicated to helping clients purchase their dream homes. They have built their business on repeat clients and referrals thanks to their consistent professionalism and commitment to their word. The team's goal is to help clients make wise choices that align with their short and long-term financial goals, while also ensuring they meet their payment and equity targets. Carey Ann & MyMortgageTeam is committed to providing the highest quality of mortgage experience for their customers.  Carey Ann is also very passionate about motivating & encouraging loan officers.  She has created Loan Officer Confidential as a way to give back to the industry!

TNMBA

First Horizon

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Katie Clements, also known as “Your Mid South Mortgage Lady”, grew up in the Memphis area most of her life. She has been in the mortgage industry for 20 years. Katie is very active supporting her local & state MBA chapters. She served on the MBA of Memphis board and was president in 2019. She is currently serving on the TNMBA board as West Tennessee director. Katie is in the process of getting her CMB (Certified Mortgage Banker) designation and looks forward to continuing to advocate and give back to her industry.

 

While she is busy supporting her industry and originating loans, her biggest passion is being a mom to 3 boys who are all very active in sports & keep her on her toes!